Date Received: 2023-01-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I tried explaining that the company gave out false information. I called XX/XX/XXXX ask my entire balance to pay to a XXXX balance. I paid the amount given. Later they added interest and fees resulting in a new balance i was not aware of. I thought my balance was XXXX as informed by the company so i did not have anything to pay. They reported my account 30 days late hurting my credit score XXXX points. I explained that the letter received in XXXX failed to mention any dates at all and a description of charges or what the new balance was. This is unfair to me because i would not know by when my account would be considered 30 days late. I ask them to remove the late on my credit due to wrong information provided to me by the bank and their employees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18020
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am an XXXX XXXX XXXX veteran and believe that Truist Bank is ignoring me due to my age. On XX/XX/2022 my computer was hacked by an unknown individual or party. They somehow got control of my computer and got access to my account with Truist Bank. They withdrew {$29000.00} and made a payment to my mortgage of {$1400.00} from my checking account. At the same time they made a {$5500.00} cash advance on my credit card. I called the bank immediately and told them that my account was hacked and there was fraud in progress. I was told they did not see anything and did nothing. I then called the Truist Fraud Department and made a report. I went directly to a branch on XXXX XXXX and spoke to a XXXX who then informed me exactly what had transpired with my accounts. She told me that the {$29000.00} from my checking and the {$5500.00} from my credit card was deposited to my savings account then XXXX additional payments of {$29000.00} and {$5400.00} were made to the mortgage from the savings account. The Fraud Department sent me a letter stating that the case was closed and that they were not pursing the incident because no monies were stolen. Any resolution would have to be made by the Mortgage Department. I had sent signed notarized affidavits stating that I did not make these transactions to Truist Bank. I proceeded to call the Mortgage Department explaining what had transpired and wanted those transactions reversed since I did not make them. I have been dealing with the Mortgage Department for over seven months and every time I called they promised to return my call and that they were getting ready to return the money. Meanwhile the Credit Card portion of Truist has been harassing me to pay up with interest and fees. I informed them on what had happened and that as soon as the mortgage department would return the money from Truist Mortgage I would be more than happy to pay the initial {$5500.00} minus any interest or fees. Why the hacker decided to play such a mischievous deed I do not know. Could be that I got my neighbor next door and he disconnected my computer from the internet as soon as he saw someone was scrolling through it and possibly the hacker was not able to complete his true intention. I did take the computer to XXXX XXXX to scrub it from any malicious software. I am including the bank statements from checking, savings, and mortgage. Also included is XXXX XXXX report, and letters I have sent to each department within Truist Bank which shows names, times, and dates of people I spoke to. I believe more than patient with this bank and believe their intentions are less than honorable. Any help you can provide would be greatly appreciated. Thank You, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34609
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Company pulled my credit report without contacting me according to my Fraud alert
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am the properly authorized consumer and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising my rights and applying the federal laws put in place to protect me the consumer. On XX/XX/22 a certified notice was sent to Truist Bank in reference of a billing error. Truist Bank failed to clarify the billing error, but instead used XXXX identity theft with extortionate means for the collection of an extension of credit. Please see attachment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XX/XX/XXXX A family trust savings account was opened inside a Truist XXXX bank branch in XXXX XXXX, Ga. The amount transferred from my existing checking on XX/XX/XXXX to open the savings was {$50.00}. I banked with SunTrust bank for more than 30 years, before this joint venture called Truist without any problems. I had 2 other accounts with large balances and this savings made 3 active accounts. My accounts with online banking are set up with alerts. I received daily account balances via Emails. On XX/XX/XXXX, I received an Email alert that my new savings account had a low balance of {$0.00}. No further explanation. I attempted to log into my account which I had done the even before without any problems and could not get into my accounts. When I attempted to log in, I saw a log in that was not me. That log in began with a " B ''. I continued to attempt to log in and received a message, my account was locked. I called customer service and was asked if I had tried to log on and what happened. I was told to attempt log in again, which I had already started. This time I got into my online account without any problem. Customer support saw that my account was closed and had a {$0.00} balance. They tried to determine what happed but could not find an answer and suggested I call or go to the branch. I went to the branch on XX/XX/XXXX the day the Email was received. I spent more than one hour at the branch while many calls were made within Truist to determine what happened. There was no justification. At the branch I was told that the funds would be restored and the account would be re-activated because no one found notes or policy that justified the closure. I was told at that time that further investigations would be had and to expect a call from the service attendant at the branch by the next day. I did not receive a call, therefore I called her and she told me they are still investigating and would get back with me. I have not heard back. I contacted the Fraud line on XX/XX/XXXX. The service attendant looked for notes on my account. She found that the account was closed, no justification. The full amount of my deposit of {$50.00} was drawn from the account and a check was issued. Nothing she could do online. Referred me to the branch, again. On XX/XX/XXXX I received the first mailed account summary since the account was opened. It verified the account #, the account balance of XX/XX/XXXX of {$50.00}, and statements for XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I called the Fraud line and asked for an investigation. The attendant found notes that a check in the amount of {$50.00} was in process to be mailed to my address of record. No justification could be located from internal notes as to why the closure of the account and the refund. The check, she said was mailed on XX/XX/XXXX. I have not received the check as of this date, XX/XX/XXXX. I was told that an internal " research request '' was established on XX/XX/XXXX to determine why account was closed. The fraud department is expected to get back with me after their research either by Email and/or phone call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30088
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX Truist Bank - XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - I received three ( 3 ) inquiries from Truist Bank for credit products which aren't reflected on my personal credit report. I've never applied to any personal credit product from Truist to obtain these three inquires. I received an email from Truist to go into a branch to finalize paperwork for a credit card on XX/XX/XXXX ( email attached ). When I went to the Truist Bank on XX/XX/XXXX ( I met with XXXX XXXX XXXX XXXX XXXX who finalized an application for submittal. During the meeting with XXXX I was never advised my credit report would be inquired upon multiple times for one business credit card product. XXXX advised I was only in branch to complete a Beneficial Owner Form data form, Controlling Person data form and a Business Resolution data form. While in office XXXX apologized when I showed her another credit card inquiry which occurred from Truist and stated she would follow up own this matter immediately. On XX/XX/XXXX I contacted the email address XXXX asking about the multiple credit inquiries and their response was XXXX would follow up on this request directly. In which XXXX sent the email stating all inquiries would be removed in 30 days on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX and I communicated via email, she advised all inquires would be removed ( email attached ) below. Since then nothing has been removed off my credit report from Truist. On XX/XX/XXXX I received a credit inquiry from XXXX XXXX, this inquiry is reported on my personal credit and should not be reflected on my personal account. There has been no personal credit account associated with this report. XXXX XXXX XXXX XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. XXXX XXXX XX/XX/XXXX- this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. XXXX XXXX - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. XXXXXXXX XXXX XXXX - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX never applied for this credit account. Received a letter from XXXX XXXX XXXX stating corrective action would be taken to remove this inquiry from my credit report. ( Letter attached )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I tried contacting Regional Acceptance Corp on serval occasions, regarding the Charge-off remark I have remaining on my credit report. I was in an accident and my car was totaled. I no longer have the car. However, they put this derogatory remark on my credit and I have tried contacting them several times in attempt to submit payment. I called several times to speak with a manager never heard back and sent emails last year in XXXX as well. I was told by a rep I could submit payment for the charge off remaining amount and have the remark removed from my credit. However, before doing so I requested they put what they're saying in writing, and I will submit payment. I never heard back. This is a huge inconvenience. They are responsible for this remark therefore they have the access & authority to remove it. I do not want to pay them and then they don't remove the remark from my credit report. I've done my own research and typically with charge-offs are successfully paid, the company contacts ALL three-credit bureaus and request for them to remove the remark from the consumer report. The professionalism with them is horrible and their customer service department is awful. They say one thing and do another by transferring me around and never follow-up with me. I expect better. This company doesn't have a XXXX rating for nothing! The accident was not my fault and now I'm being penalized although I'm trying to rectify the situation that happened years ago in XXXX!!.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXXXXXX XXXX XXXXXXXX I took advantage of the Cares Act. I am a XXXX XXXX XXXX XXXXXXXX XXXX XXXX and my hours were reduced since I purchased this home. Truist Bank Mortgage department approved a modification agreement in XXXXXXXX XXXX XXXXXXXX. I signed, notarized, and returned the modification agreement Truist mailed ( XXXX ) me in the same XXXX package they provided. i began making the agreed upon modification payment XX/XX/XXXX. In XX/XX/XXXX, Truist sent me a letter that my medication agreement was null and void because they did not receive the modification agreement in XX/XX/XXXX. I faxed Truist the copy of the notarized modification agreement in XX/XX/XXXX. They denied my modification agreement despite me proving that I signed and sent back. Truist is trying to foreclose on my home and will not accept my payments. I do not want to lose my home. i am a single mother and I did sign and return a notarized modification agreement that Truist offered in XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21224
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: approximately XXXX XXXX worth of deposits not reflected in account and duplicate transaction for the amount of XXXX that left my account in the negative. Called XXXX times, waited a total of XXXX hours in total for XXXX and XXXX customer service agents who tried to XXXX me about my issue
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90405
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I am hereby issuing a formal complaint against Truist who acquired BB & T and my XXXX account, which is tied to an investment account. Given that I have been in good health and have not had the need to use my XXXX account in the past XXXX years Truist has decided to close the account # XXXX on or about XX/XX/2022. This account closure was due to Texas Law ( according to Truist ) and the funds were sent to the Texas XXXX of Public Accounts. Truist only closed the XXXX account ( ~ XXXX} ) and not the associated XXXX investment account ( ~ XXXX ). As such I am now in a position where I can not access the XXXX investment account given the closure of the Truist XXXX account as they were tied at BB & T. I am asking the CFPB to step in as I believe Truist to not be acting in my best interest as the fiduciary for my XXXX and XXXX investment accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75038
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A